Great Southern Bancorp (GSBC) AI Stock Analysis

• Market Cap: $713.65M
• Dividend Yield: 2.48%
• Average Volume (3M): 38.85K
• Price to Earnings (P/E): 10.3
• Beta (1Y): 0.70
• Revenue Growth: 0.67%
• EPS Growth: 17.88%
• Country: US
• Employees: 882
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.45
• Shares Outstanding: 11,189,262
• 10 Day Avg. Volume: 44,382
• 30 Day Avg. Volume: 38,848
• PEG Ratio: 0.55
• Price to Book (P/B): 1.10
• Price to Sales (P/S): 2.04
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.44
• Enterprise Value/Revenue: 2.99
• Enterprise Value/Gross Profit: 4.46
• Enterprise Value/Ebitda: 10.99
• 1Y Price Target: $63.00
• Price Target Upside: -2.26% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: $67.00 ▲(3.94% Upside)
• Action: Reiterated Date: 01/26/26
• Date: Action: Reiterated 01/26/26

GSBC scores above average primarily on solid profitability and balance-sheet stability, reinforced by a constructive earnings update (margin expansion, strong credit quality, and capital returns). Valuation is a positive contributor (low P/E and reasonable dividend), while the score is held back by mixed technical signals and fundamental growth concerns (negative revenue trend, declining loan balances, and weaker free-cash-flow growth).

Positive Factors

High profitability and margins

Sustained high net and EBIT margins indicate efficient core banking operations and disciplined expense management. Durable profitability supports internal capital generation, buffers against cyclical pressures on net interest income, and underpins ongoing dividend and buyback capacity over months.

Very low credit losses / strong asset quality

Extremely low NPAs and negligible net charge-offs signal conservative underwriting and effective credit monitoring. Strong asset quality preserves capital, reduces reserve volatility, and supports predictable earnings and lending capacity in a multi-month horizon despite loan mix shifts.

Robust capital and shareholder returns

Elevated tangible equity and rising book value provide a solid capital buffer above regulatory minima. Active buybacks and a long-running dividend demonstrate capital discipline and return-of-capital commitment, supporting investor confidence and strategic flexibility over the coming months.

Negative Factors

Contracting loan portfolio

A meaningful decline in loans suggests payoffs and weaker originations, reducing interest-earning assets and future NII potential. Persistent contraction can pressure growth, elevate efficiency ratios, and limit the bank’s ability to leverage capital to grow earnings in the medium term.

Negative revenue growth trend

Declining revenue points to structural top-line pressure from lower loan balances and lost swap income. Over several months this can strain margins and operating leverage, making expense control and noninterest income generation more critical to sustain profitability.

Weak operating cash conversion

Low operating cash conversion and falling free cash flow growth signal potential volatility in cash generation versus reported earnings. That reduces flexibility for discretionary investments, dividends or buybacks if trends persist, increasing sensitivity to funding costs and capital allocation choices.

Great Southern Bancorp Business Overview & Revenue Model

Company Description

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, commercial business loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits. It also provides insurance and merchant banking services. As of December 31, 2021, the company operated 93 retail banking centers and approximately 200 automated teller machines in Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas; and six commercial and one mortgage loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix and Tulsa, Oklahoma, Springfield, and Missouri. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.

How the Company Makes Money

Great Southern Bancorp generates revenue primarily through interest income from its loan portfolio, which includes residential mortgages, commercial loans, and consumer loans. Additionally, the bank earns income from fees associated with deposit accounts, transaction services, and other banking services. A significant portion of its revenue also comes from investment securities. The company's revenue model is supported by its ability to attract deposits at competitive rates, allowing it to fund its lending activities. Partnerships with local businesses and communities further enhance its customer base, driving growth in both lending and deposit services.

Great Southern Bancorp Financial Statement Overview

Summary

Solid profitability (net margin 20.20% TTM; EBIT margin 24.90% TTM) and a balanced leverage profile (debt-to-equity 0.78 TTM; equity ratio 11.03% TTM). Offsetting risks include slightly negative revenue growth (-1.30% TTM), rising debt levels, and weakening free cash flow growth (-17.41% TTM) with low operating cash flow vs net income (0.16 TTM).

Income Statement

Great Southern Bancorp's income statement shows a stable financial performance with a slight decline in revenue growth rate at -1.30% TTM, indicating potential challenges in revenue generation. However, the company maintains healthy profitability with a net profit margin of 20.20% TTM and an EBIT margin of 24.90% TTM, reflecting efficient cost management and operational effectiveness. The gross profit margin has decreased over time, suggesting increased cost pressures.

Balance Sheet

The balance sheet reveals a moderate debt-to-equity ratio of 0.78 TTM, indicating a balanced approach to leveraging. Return on equity is at 11.28% TTM, showcasing decent profitability relative to shareholder equity. The equity ratio stands at a solid 11.03% TTM, reflecting a stable capital structure, though there is a noticeable increase in total debt, which could pose future risks if not managed carefully.

Cash Flow

Cash flow analysis indicates a decline in free cash flow growth at -17.41% TTM, which could impact future liquidity. The operating cash flow to net income ratio is 0.16 TTM, suggesting that cash generation from operations is relatively low compared to net income. However, the free cash flow to net income ratio is strong at 0.98 TTM, indicating that the company effectively converts net income into free cash flow.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	343.30M	355.26M	326.91M	261.12M	236.99M
Gross Profit	229.76M	216.99M	226.37M	227.57M	222.00M
EBITDA	87.30M	84.45M	94.66M	103.88M	105.50M
Net Income	70.97M	61.81M	67.80M	75.95M	74.63M
Balance Sheet
Total Assets	5.60B	5.98B	5.81B	5.68B	5.45B
Cash, Cash Equivalents and Short-Term Investments	825.51M	195.76M	689.54M	659.11M	1.22B
Total Debt	405.17M	166.34M	172.81M	277.98M	238.32M
Total Liabilities	4.96B	5.38B	5.24B	5.15B	4.83B
Stockholders Equity	636.13M	599.57M	571.83M	533.09M	616.75M
Cash Flow
Free Cash Flow	0.00	39.14M	73.40M	46.47M	79.24M
Operating Cash Flow	0.00	44.06M	80.70M	66.58M	84.98M
Investing Cash Flow	0.00	-175.39M	-88.21M	-801.28M	190.71M
Financing Cash Flow	0.00	115.75M	50.32M	185.95M	-122.15M

Great Southern Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 64.46
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GSBC, the sentiment is Positive. The current price of 64.46 is above the 20-day moving average (MA) of 62.91, above the 50-day MA of 63.08, and above the 200-day MA of 59.64, indicating a bullish trend. The MACD of 0.51 indicates Negative momentum. The RSI at 58.62 is Neutral, neither overbought nor oversold. The STOCH value of 74.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GSBC.

Great Southern Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MPB	76 Outperform	$770.08M	13.11	7.31%	2.58%	12.09%	-15.97%
FSBC	76 Outperform	$855.90M	13.81	13.95%	2.18%	22.24%	18.63%
TRST	75 Outperform	$837.92M	13.99	8.35%	3.48%	5.75%	20.52%
BFST	75 Outperform	$849.66M	10.28	10.39%	2.12%	17.99%	11.08%
GSBC	69 Neutral	$713.65M	10.30	11.18%	2.48%	0.67%	17.88%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HTB	61 Neutral	$764.75M	11.78	10.88%	1.12%	0.21%	14.54%

Great Southern Bancorp Corporate Events

Great Southern Bancorp Reports Strong Preliminary 2025 Results

On January 21, 2026, Great Southern Bancorp reported preliminary results showing improved profitability for the fourth quarter and full year ended December 31, 2025, with quarterly earnings rising to $1.45 per diluted share from $1.27 a year earlier and full-year earnings increasing to $6.19 per diluted share from $5.26 in 2024. The company delivered higher returns on assets and equity and expanded its net interest margin despite a slight decline in net interest income tied to the October 2025 completion of income recognition from a terminated interest rate swap, while effective management of funding costs, stable core deposits and tight expense control helped sustain core performance. Asset quality strengthened, with non-performing assets dropping to 0.15% of total assets and total non-performing assets and potential problem loans falling to $9.5 million, even as total net loans contracted 7.1% year-on-year due to significant repayments and refinancing in multi-family, construction, residential and commercial business portfolios. Management highlighted negligible net charge-offs, solid fee-based non-interest income, continued investment in technology and infrastructure, and ample liquidity and borrowing capacity, underscoring a disciplined approach to capital, credit and operating costs as the bank entered 2026.

The most recent analyst rating on (GSBC) stock is a Buy with a $74.00 price target. To see the full list of analyst forecasts on Great Southern Bancorp stock, see the GSBC Stock Forecast page.

Great Southern Bancorp Declares Fourth Quarter Dividend

Great Southern Bancorp, Inc., the holding company for Great Southern Bank, declared a $0.43 per common share dividend on December 17, 2025, for the fourth quarter of the year, marking the company’s 144th consecutive quarterly dividend. The dividend, payable on January 13, 2026, reflects the company’s consistent commitment to shareholder returns and its stable financial position in the banking sector.

The most recent analyst rating on (GSBC) stock is a Buy with a $70.00 price target. To see the full list of analyst forecasts on Great Southern Bancorp stock, see the GSBC Stock Forecast page.